Published: Tue, 25 Oct 2016 16:29:52 -0500
Wed, 01 Jun 2016 13:07:47 -0500Preparing for Hurricane season is never fun. However, having a flood policy will minimize your risk.
Mon, 02 May 2016 06:02:17 -0500According to the US disaster list, a flood is one of the most dangerous and devastating natural disasters in the country, which is why, it is highly recommended for the property owners to have flood insurance policies. Many property owners find out too late, and run the risk of financial ruin once a flood has damaged the property.
Fri, 15 Apr 2016 05:58:49 -0500After a major storm, there can be a lot of damage. The following steps should be taken to expedite flood restoration measures and get the property back into good condition.
Mon, 07 Mar 2016 06:04:30 -0600Were you aware of the fact that your home has a higher chance of being affected by a flood than a fire? As a matter of fact, floods are the primary cause of natural disasters in the U.S. Most people do not know that standard home insurance does not cover damages caused by flood, only flood insurance will help you recover from the losses.
Tue, 12 Jan 2016 15:17:37 -0600With all the news of El Nino, is it too late to purchase Flood insurance? Flood insurance for Californians is necessary, more than you know.
Wed, 03 Jun 2015 05:45:20 -0500Raining is a possible result of flooding. The flood is a welcoming or even neutral notion. It can play havoc disorders with your property. Moreover, it is also possible that flooding can catch you off your guard if your home does not have a flood insurance coverage. Overall, inundation is harmful to your house. However, certain parts are found to be more vulnerable due to the capacity of floodwater.
Wed, 27 May 2015 15:10:19 -0500You may assume that you can get help from government relief programs for water damage. Many consumers find that they need separate flood insurance to cover their losses.
Wed, 11 Feb 2015 10:14:54 -0600There are many causes of water damage. This article talks about the most common occurrences and how to prevent them from happening.
Mon, 12 Jan 2015 13:53:45 -0600Do you know what to do if your home is damaged by a flood? Here you will learn how to prepare for this natural disaster, from flood insurance to securing your home.
Fri, 18 Apr 2014 09:29:57 -0500What is flood insurance, what is covered and why we all need it? Basic facts about flood insurance programs and how they work.
Tue, 12 Nov 2013 14:03:03 -0600Mother Nature just unleashed her fury upon your home and now your basement is flooded. What's worse, most insurance does not include flood damage and yours isn't any different. How do you ensure that the ensuing water damage does not decrease the value of your home? Appropriate restoration equipment and some initiatives from your end will ensure that you never have to sell your home at half its market price -
Tue, 01 Oct 2013 06:38:22 -0500What is flood insurance? It is a risk management tool available to home owners and property owners to protect themselves in case a flood disaster happens and affect their property. Flood insurance is mostly purchased by individuals who have properties in areas with higher risks of flooding.
Tue, 24 Sep 2013 07:55:02 -0500Is your family ready for the 100-year flood? Most of mine is but a good number of them live close to the beach and it's hard to get out of our heads that footage of the Japanese Tsunami a few years ago. It turns out that of all the potential natural disasters, floods have killed more humans on planet earth than any other - that is if you consider tidal surges from Hurricanes, Cyclones and Typhoons. Yes, let's talk about all this because the National Flood Insurance Program is busy re-drawing the flood maps for our entire country.
Thu, 19 Sep 2013 06:34:13 -0500The Federal Flood Insurance Program, referred to as the National Flood Insurance Program (NFIP) is a total disaster, pun intended of course, you know me. How bad has it gotten? Well, they are redrawing flood maps to help get more premiums to pay for their costs, costs which are out of line simply because FEMA is so wasteful, politically correct, and inefficient, even if it is one of the more efficient agencies of our Federal Government. Yes, let's talk about all this shall we?
Tue, 17 Sep 2013 06:38:58 -0500Whether you own a residential or commercial building, you need flood insurance. Even though your property may not be located in a high-risk area, you still need to have coverage. In fact, statistics show that most insurance claims for flood damage come from low to no-risk areas.
Tue, 17 Sep 2013 06:37:22 -0500When you purchase or build your own home, one of the most important things is to protect it from as many possible damages as possible. Virtually every homeowner has a home insurance coverage to protect his home from burglary, fires, earthquakes and tornados. However, basic insurance coverage does not protect your home from floods.
Mon, 09 Sep 2013 10:43:05 -0500Most homeowners insurance policy's do not include coverage for flood insurance. As a result homeowners generally need to get a second policy if they wish to insure for the risk of flood from rising water. This brings up the question of why insurance company's do not include flood coverage?
Wed, 14 Aug 2013 13:39:59 -0500People who live on the Atlantic Coast of the United States are very familiar with hurricanes. These strong tropical storms that top 60mph in wind speeds and bring torrential rain and severe flooding are active from June through October. While forecasters have become much better at tracking hurricanes and issuing warnings to areas that in the path of a hurricane, residents still have to ride the storm out when it makes landfall.
Wed, 24 Jul 2013 08:04:11 -0500Some homes around the UK are at risk of subsidence, which is where the building shrinks into the ground, and these homes may need a specialist insurance policy to protect them. Likewise there are a huge amount of homes prone to flooding around the UK - fortunately, you can get a specialist policy for these homes.
Tue, 09 Jul 2013 06:21:08 -0500Flood insurance is highly desirable for those living in a flood prone area. A fully comprehensive policy is able to offer a high level of protection for the home against a range of damage caused by a flood. This type of insurance is widely available for the businesses, renters, and private homeowners.
Thu, 02 May 2013 11:23:20 -0500If you want to protect your home, especially if it has had a bout of landslip, then insurance that covers you against something like that is considered to be imperative. Having a heaving problem or an issue with any sort of subsidence can affect a number of different properties across the United Kingdom.
Wed, 24 Apr 2013 10:30:14 -0500Water damage insurance claims have risen in recent years. What can you do to protect yourself?
Fri, 22 Mar 2013 11:50:47 -0500The physical geography of a particular business location is often the most important consideration when underwriting a distribution business insurance policy. Recent nationwide extreme weather events and flood losses have led to rising insurance premiums for business that are located for historical reasons.
Mon, 25 Feb 2013 14:50:54 -0600This article will explain the steps you must follow to make a successful home insurance claim. Insurance providers often use policy holders lack of experience in making claims in order to settle the claim for less than what they are entitled to, which if you are making a large claim (maybe due to a fire, flood or theft) can cost you a considerable amount of money. This can mean your home isn't fully restored to it's former standard, or your possessions can not be replaced to the same quality. Follow these easy steps and you will get exactly what you are entitled to, and nothing less.
Wed, 13 Feb 2013 10:58:33 -0600The National Flood Forum has recently reported that Insurance companies vary greatly in the way they handle flood victims claims. The charity says that people living on the same street will all be paying completely different premiums and excesses, it is of concern that this is very much the 'norm' and not unusual.
Tue, 12 Feb 2013 14:02:24 -0600The 'Statement Of Principles' contract ensures that flood prone properties will still be offered insurance/insurance renewal offer, but it expires in July 1st 2013, and there is no certainty that any protection will replace it. Simon Douglas (Director of AA Insurance) believes there are approx. 5.
Fri, 04 Jan 2013 11:37:20 -0600How management should protect the organization from the rare but severe occurrence. Why do so many companies and individuals fail to purchase flood insurance (as just one example of unexplainable behavior in terms of basic risk management)? The 2012 Mega Storm event in New York and New Jersey exposed a problem common with "Black Swans."
Wed, 12 Dec 2012 13:06:44 -0600Hurricane Sandy swept through the East Coast on October 29, 2012. New York and New Jersey were hit the hardest and suffered the most property damage. All states from Maine to Virginia experienced some degree of destruction. Unfortunately, many homeowners and business owners are learning that their insurance policies do not provide coverage for all of their financial losses.
Fri, 16 Nov 2012 15:41:35 -0600There are a lot of rivers in the United Kingdom and as an island state, there is also an extensive coastline. During the summer of 2007, there was an unusual amount of extreme weather which led to a lot of flooding and this resulted in over...
Tue, 13 Nov 2012 10:45:43 -0600Want to purchase flood insurance but not sure how? This article will explain where to get it, how much it cost and what to do if you want to cancel it.
Wed, 07 Nov 2012 15:15:16 -0600Hurricanes, tropical storms, tornadoes, floods and fire all wreak havoc on lives and the landscape. Natural disasters destroy billions of dollars in personal property every year. Learn the proper response to a natural disaster when your property has sustained damage and how dry ice blast cleaning can save you time, money and heartache during the cleanup process.
Tue, 06 Nov 2012 11:48:50 -0600A flood is defined as an overflow of inland or tidal waters, rapid accumulation or runoff of surface water from any source, and a collapse of a land because of excessive erosion due to flood, mudslides caused by accumulations of water on the ground or underground. Any homeowner or renter should protect their property and purchase flood insurance. Depending on your request, a flood policy can cover the dwelling with the content or just the contents.
Wed, 05 Sep 2012 13:08:21 -0500Government and the Insurance Industry came together after the massive 2007 flooding in England and a deal was struck to ensure cover was generally continued and at reasonable premium rates. However, since then the government's Flood Defence budget has been cut and the Insurance Industry say that after June 2013, next year, the current deal will not be continued. So, what is in the offing: what can we expect as a consequence of this situation?
Wed, 29 Aug 2012 13:17:49 -0500The UK weather over the last decade has proved to be very unpredictable with a number of freak weather occurrences causing householders property damage including storms, floods and burst pipes during extreme freezing conditions. So, if you are unlucky to be in the path of the unstoppable Mother Nature, what should you do if your home is flooded? Here are some before, during and after tips to help you during a potentially very difficult time.
Wed, 29 Aug 2012 11:16:00 -0500A few weeks after the devastation brought about by recent typhoon Helen and monsoon rains (Hanging Habagat) that major portions of the Luzon area and Metro Manila were severely affected. It has brought havoc among the residents of the affected areas and everything has halted in a matter of hours when the rains came showering in.
Mon, 20 Aug 2012 14:40:58 -0500FEMA Elevation Certificates are used to determine if your house or structure is in a Flood Hazard Area. A lot of Mortgage companies are automatically putting Flood Insurance on houses that may or may not be in a Flood Hazard Area. We can file LOMA (Letter of Map Amendment) to the Federal Emergency Management Agency (or FEMA) on a case by case basis. FEMA will review each LOMA and determine if the structure is indeed out of the FHA and then send a letter stating so.
Fri, 17 Aug 2012 13:13:11 -0500The recent floods in the United Kingdom have left many households without a home due to flood damage. Over the past couple of years, the unseasonably high amounts of rainfall that have fallen in the summer months have caused a high level of disruption. In some cases a whole month's rainfall fell in just one day causing a serious amount of damage as river banks burst and torrents of water flooded settlements.
Thu, 26 Jul 2012 16:52:41 -0500Floods take away dozens of lives each year. Preparation is the key to surviving one.
Fri, 25 May 2012 12:33:02 -0500The second part of this article will focus more on the remediation aspect of a restoring a flood damaged home. It was not an easy process, and made even more difficult when the weather would not cooperate. Mold can be a tough issue to deal with, and when faced with water damage of this magnitude, the mold problems would have been horrendous!
Thu, 10 May 2012 11:05:21 -0500This is an article about some basic flood insurance information. If you don't know what flood insurance in the United States is, then after reading this article you with have some general knowledge.
Fri, 09 Mar 2012 07:33:10 -0600Unpredictable severe weather can produce heavy rains in an instant resulting in residential flooding. Basic home insurance does not cover water damage that occurs to dwellings from this type of disaster. Additional insurance protection is required to insure a homeowner's dwelling is properly mitigated and receives necessary thorough professional restoration.
Tue, 20 Dec 2011 12:41:36 -0600Heavy rains can be very beneficial to farmers and the general public for water consumption. People around the world beg for heavy rains, but especially here in the Maryland, DC, Pennsylvania, New Jersey and Delaware area; heavy flooding can be a very big problem. What is the difference between flood damage and water damage when it effects your home and business. Let's talk about the differences.
Thu, 01 Dec 2011 20:18:58 -0600Have water damage and nervous about making a claim to your insurance company? Find out the facts and steps on how and what to say to the insurance company when making a flood or water damage claim.
Tue, 25 Oct 2011 08:45:48 -0500Flood damage can be extensive and expensive. It is not always covered by home insurance policies so it is advisable for homes and businesses to take some simple but effective precautions to minimise the risk to their premises and keep costs to a minimum. Here are some Top Tips to help ensure minimal distress in case of flooding in your property.
Wed, 05 Oct 2011 11:21:02 -0500Flood damage is covered! Think again?
Thu, 29 Sep 2011 12:41:48 -0500It is an unfortunate reality that many people underestimate the potential damage water can cause with even limited exposure time. Chemistry teaches that water can be a base or an acid depending on environmental factors meaning that in high acid environments, water acts as a base and in low pH environments, water is slightly acidic. The mutable nature of water affords water the ability to carve through solid rock to create beautiful natural wonders but this same ability can also destroy drywall, plumbing materials, and other common building materials. This point, however, is often forgotten when people deal with water damage.
Thu, 15 Sep 2011 09:40:44 -0500Standard home insurance policies generally do not cover water damage due to flooding. In the wake of all the earthquakes, hurricanes, tsunamis and other natural disasters in the past several years, it is time to reconsider purchasing flood insurance to cover your home.
Thu, 25 Aug 2011 08:58:34 -0500Water damage is uncompromising and can be devastating. The stress incurred by loss of the use of your property is bad enough but the loss of irreplaceable pictures and family heirlooms can be a tremendous strain. This article will outline some steps you can use to prevent loss to such items.
Thu, 18 Aug 2011 13:14:07 -0500For the most part, people who own houses always have some kind of insurance that they tale out for their houses just in case calamity strikes. But for those people who live in areas that are prone to flooding or near the water have to take out additional flood insurance since well, their homes are indeed very prone to flooding and everyone knows how damaging those flood waters can be.
Wed, 17 Aug 2011 15:27:45 -0500Your home can be damaged by water seepage from a number of different causes. Some of the most common causes of water damage to homes are builder and contractor negligence. Leaky pipes and blocked drains can make water seep indoors and cause damage to the interiors. Sometimes, natural disasters like floods, storms or hurricanes can also cause a lot of water damage. If you want to arrest and minimize the damage done to your home, you need to hire the services of emergency water damage cleanup experts. The sooner the problem is attended to, the lesser the damage to your home. The cost of cleanup would also be less if the problem is dealt with as early as possible.
Wed, 03 Aug 2011 15:43:47 -0500You come home and you find your floor is full of water. You identify the source and stop the leak.?Then you grab your wet/dry vacuum cleaner and suck up all the excess water.
Fri, 29 Jul 2011 09:16:32 -05001. Read everything carefully before you sign anything. Your insurance company's representatives will first present you with emergency money - for immediate needs and shelter. The second round of payouts is where you need to be careful. Do not sign anything that limits your rights to seek additional proceeds.
Wed, 27 Jul 2011 14:19:56 -0500Flood Insurance is one type of insurance many people fail to realize they need. Most insurance companies offer customers flood insurance although not enough people take advantage of it. In the United States as well other countries there are certain areas that are more prone to floods. In some areas insurance companies require you move from such dangerous flood areas or at least take some preventative measures in case there ever be a flood.
Wed, 27 Jul 2011 12:38:33 -0500Don't be fooled by blistering hot weather, for even during the peak of summer you may encounter a severe storm that results in a flash flood. There's something about the heat that inspires summer rain, and if you are unfortunate to get caught in foot-high water or higher without the proper insurance policy, you could find your dreams of a quick recovery easily washed away.
Wed, 20 Jul 2011 09:35:19 -0500Images of the floods which had such a heart-wrenching impact on Queensland and Victoria earlier in the year, really stick in your mind. It's a big reminder of the all-consuming strength of nature, & the very real importance of our property and ourselves, all of the time. If you live in a flood-prone area, insurance will offer some peace of mind that your home or business, which you spent many years establishing, will be protected if the unthinkable happens.
Fri, 24 Jun 2011 09:10:06 -0500Imagine having to evacuate your home following a hurricane or flood warning. With little time to pack, you grabs what is most precious to you, get the family into the car, and head for higher ground. Coming home afterward, you find your home and surrounding area has sustained damage - maybe some of it can be repaired, but there's a good chance you might lose some valuable possessions to storm damage. With flood insurance coverage, however, you may receive due compensation for your losses.
Wed, 22 Jun 2011 10:01:51 -0500If the floodwaters have already breached the Missouri River, or the Mighty Mississippi and that water is coming down your street then it is too late to buy flood insurance. I am often reminded by the famous quote; "When did Noah build the ark? Before the flood, remember?"
Mon, 20 Jun 2011 10:30:14 -0500The governmental division in charge of dealing with problems pertaining to flooding is the Department for Environment, Food and Rural Affairs (DEFRA) and they have released preliminary information concerning spending over the next four years. Though exact budgets are yet to be finalised, the ultimate amount to be allocated to flooding and coastal erosion is predicted to be at least 2.16 billion (equating to an average of 540 million per year).
Wed, 15 Jun 2011 15:50:54 -0500If you have ever considered purchasing flood insurance, than you know that a policy will not take effect until thirty days after you enroll. This is designed to encourage people to get coverage well before seasons where inclement weather is more likely, and it's also a means to prevent insurance fraud. Therefore, if you wish to get a flood insurance policy on your home, the short answer is well before the rainy or hurricane season in your area. As for why you should have this insurance, there are many reasons to take into consideration.
Mon, 13 Jun 2011 11:42:52 -0500A sump pump is very valuable, especially for someone who wants to have flood insurance but for whatever reason cannot obtain such insurance. Learn the many ways sump pumps are valuable to a homeowner.
Fri, 27 May 2011 08:14:29 -0500Indeed, 2001 was a terrible year for the United States with regards to flooding. We watched as the Mississippi and Missouri River both breached levees in many states. We also noted the incredible snow pack in Colorado, Montana, Idaho, Nevada, and California and the runoff in June of 2001 was significant, causing all sorts of flooding, and some rather serious incidents as you already know.
Wed, 18 May 2011 09:21:39 -0500Floods are a danger to everyone, but even more so for children. Children are unaware of the hazards present in a flood so extra care needs to be taken to protect them from harm. Flood water is contaminated with varieties of different bacteria's which can spread harmful diseases, as well as the fact that they are at an increased risk of drowning.
Mon, 16 May 2011 08:17:14 -0500When did Noah build the ark? Before the flood right, yes, and that was his insurance to save all the Earth species, as the story goes. Likewise, before the flood is when you ought to buy flood insurance as well.
Thu, 12 May 2011 11:39:50 -0500Flooding isn't defined into a single type, there are actually several types which can be encountered anywhere any time. Reporting these problems to the appropriate authorities as soon as possible means that they will be dealt with more quickly but first you need to know which authorities to contact for which types of floods.
Fri, 15 Apr 2011 16:32:15 -0500When buying a home within a flood zone you are required to purchase flood insurance through FEMA, Federal Emergency Management Agency. This coverage protects homeowners and mortgage companies. It protects from the losses that occur from water damage to your homes structure and contents when flood damage wreaks havoc to your home.
Thu, 14 Apr 2011 15:10:30 -0500Yes it has come to this. Customers who honorably pay their inflated insurance premiums dutifully and on time have to wonder what games their insurance company will play to deny or reduce their claim should the time arise that they ever need to file a claim. This insurance lunacy runs the gambit of all insurance arenas including auto, health, life, and property and has customers so scared of being denied or canceled when they file a legitimate and contractually obligated claim that people who have acute chest pains, for example, refuse to get checked out as they do not want...
Tue, 12 Apr 2011 09:08:41 -0500Flood damage to a basement or crawl space can be a potential nightmare to cleanup as it poses several different risks. Most homeowners never enter their basement for even several years at a time and are often clueless about how to go about doing water restoration work in a basement or crawlspace.
Mon, 11 Apr 2011 16:19:42 -0500Homes near major bodies of water should be protected from flooding through a home flood insurance. This insurance covers damages caused by rising water.
Mon, 04 Apr 2011 15:17:51 -0500Home flood insurance is a must for every homeowner. Remember that you can never predict nature so it is best to have protection for your home and family.
Fri, 25 Mar 2011 09:41:52 -0500The tragic and recent events in Japan have once again reiterated just how important it is to have flood insurance to go with your home insurance policy, and the time to get it is now.? Fortunately for Japan, it is very much at the front of technology when it comes to having construction reinforced for earthquakes. However, no one could have predicted the extent of damage that has occurred not because of the earthquake, but because of the ensuing tsunami that immediately followed.
Tue, 08 Mar 2011 10:51:29 -0600Flood insurance is essential because of the many flood cases occurring in the different parts of the country. Such insurance will help protect your property, as flood can be devastating. It is one of the major causes of damages in many households. If you do not want to feel helpless after a flood destroys your property, get one.
Mon, 28 Feb 2011 12:49:01 -0600While you may well expect an earthquake in Los Angeles or Haiti and, as such, you'd be in a rush to insure your building, if you own it, maybe you'd not be as eager to insure your building against floods, if it is placed in an area where traditionally they don't take place. But even if Al Gore with his movie 'An Inconvenient Truth' hasn't succeeded to convince you as regards global warming, climate changes have become pretty obvious for everyone, so it's hard to dismiss them.
Wed, 23 Feb 2011 16:24:07 -0600The adjuster does not want you to know how using an Independent Restoration Company can save your home, business, or asset. Learn why!
Mon, 07 Feb 2011 08:47:53 -0600Are you familiar with the term "all risk" insurance? Your answer is probably 'yes, of course'. But are you sure you understand it properly? You may feel inclined to think that it covers all hazards, as the name implies. It is indeed the broadest kind of property policy that can be acquired, but this doesn't mean that it indemnifies all losses. Only losses which are not specifically excluded are automatically covered.
Mon, 31 Jan 2011 11:09:27 -0600First, we need insurances because, unlike we thought, we have never succeeded to tame nature, but quite the contrary; given that civilization arose from our fighting against nature, it has developed in this adverse manner until - with the climate change or what not, supposedly provoked by humans - it affected nature to such an extent as to turn it against us, in the form of unexpected floods in unexpected places, volcano eruptions, hurricanes, tornadoes, in other words, all the natural calamities that can destroy our lives and our businesses in a matter of seconds. Secondly, we need insurances because, as Voltaire with his critical spirit mocked Leibniz's philosophy, according to which we live in the best of all possible worlds, showing that neither our world is perfect, nor are we, man is full of foibles, among which the temptation to steal.
Tue, 18 Jan 2011 14:00:05 -0600There are three types of flood insurance that everyone needs to be aware of. While it is not limited to these definitions, these are what you find in most policies. There is the exception of some insurance companies not including any kind of flood insurance, so read carefully. Better yet, if you want to educate yourself about flood insurance, read on!
Thu, 13 Jan 2011 15:55:43 -0600If there's one thing usually guaranteed with winter, it's a lot of rain. Flooding is one of the most devastating things that can happen to a home owner, so read on to find out more on protecting your home.
Fri, 03 Dec 2010 08:01:51 -0600A lot of people are perplexed by what exactly flood insurance is and what it covers. After Hurricane Katrina hit, many homeowners in New Orleans were upset to find that their losses were not sheltered. So, what does flood insurance cover?
Tue, 30 Nov 2010 11:50:38 -0600Flood Insurance is just as straightforward as it seems, it is an insurance policy that protect against losses due to flooding. Flood insurance is something that is necessary in some neighborhood. The coverage is dissimilar depending if your area is residential or a commercial area that is being insured. So what does flood insurance cover exactly?
Mon, 22 Nov 2010 13:35:01 -0600Natural disasters like Earthquakes and Floods are excluded in a standard insurance homeowner's insurance policy and if you live in an area that has a high-risk of being flooded then you do need to buy Renters Flood Insurance. Do you know that there is a federal agency that might be able to convince you that Renters Flood Insurance is a real necessity? You can try searching on the net for the Federal Emergency Management Agency which can give you information about what state or area is at flood-risk.
Thu, 18 Nov 2010 13:06:26 -0600In the past, it could be difficult to and secure flood insurance. Thanks to the NFIP, insurance is available for almost all high-risk communities. What is the National Flood Insurance Program, and how does it help communities in peril?
Wed, 17 Nov 2010 09:00:29 -0600When your home or business has suffered from water damage it is important you work quickly to prevent more water damage. Use these expert tips to be compensated faster by your insurance company.
Mon, 25 Oct 2010 08:39:05 -0500When you start thinking about insurance, there are a lot of different terms and policy options that can be easily misunderstood. Many consumers don't realize the full extent of what their policies do and don't cover, some don't understand what their deductibles and limits are, and others aren't sure whether or not special situations are covered in their auto or homeowners policies. All of these sources of confusion are easy to remedy with a call to your insurance agent or a quick read of your policy.
Tue, 19 Oct 2010 11:23:39 -0500Here goes a brief description in order to give you information about something that is of extremely new nature; by new I mean to say that many people are aware about it that and the name of that new terminology is floods insurance. It also tells you that how can one get this insurance and what should be important for you to take into your consideration.
Fri, 24 Sep 2010 07:34:13 -0500A look at the subject of house insurance and some of the inclusions within policies. Specifically, this article takes a look at flood insurance and the UK categories that properties are placed in.
Tue, 21 Sep 2010 15:59:23 -0500Flood is commonly covered by ARPI policies but, on occasions, some policies exclude it or, alternatively, provide the client with the option of extending the policy to cover it as an additional peril. The meaning of flood has been considered infrequently in the English courts and, the courts have first to consider the meaning of flood in the context of the policy as a whole. In the case Young v. Sun Alliance and London Insurance Ltd.  3 All ER 561, where the word "flood" was incorporated in a phrase with "storm and tempest", it was held not to cover damage caused by three inches of water leaking into a bathroom from an underground spring-storm and tempest suggested a more violent event.
Mon, 30 Aug 2010 14:49:19 -0500People are faced with so many types of personal hardships it can sometimes be a little overwhelming. Protecting you and your family from financial losses or these hardships is important. There are a few things that you can do to protect yourself and your family from the devastation of a flood.
Mon, 30 Aug 2010 14:19:34 -0500Weather can be extremely unpredictable. No matter where you live, protecting your home with flood insurance coverage from a respected insurance agent is highly recommended. Whether you are in a designated flood zone or not, it is important to speak to you insurance agent to find out the best flood insurance protection for you and your family.
Wed, 25 Aug 2010 15:53:27 -0500Hurricane Katrina was easily the most devastating natural disaster to hit U.S. shores and its financial and emotional effects are still felt, even five years later. As we distance ourselves from the pain of the devastation we are given the opportunity to learn from the mistakes that not only caused much of the damage from the disaster but also inhibited some of the progress that might have been experienced after.
Tue, 10 Aug 2010 08:49:37 -0500Don't pay too much for flood insurance! Here are some suggestions that could save you money.
Wed, 21 Jul 2010 12:56:54 -0500Flood insurance is a separate type of policy that should be purchased by anyone who lives in an area that is at high risk for flooding because most if not all standard home insurance policies don't cover two things - Earthquakes and floods. And for people who live in high to moderate risk areas for floods, there is a 26% chance that your home will experience some flood damage in the thirty year period that you hold your mortgage. Even just a few inches of water going through your home can create massive damage.
Mon, 12 Jul 2010 13:44:24 -0500Aside from having the basement flooded because of persistent rain and similar weather conditions, there is also the possibility of standing flood water in the basement caused by previous heavy rains. Both situations can bring serious health and safety hazards for everyone in the family.
Mon, 12 Jul 2010 13:18:10 -0500The importance of keeping the roof maintained and in good condition is basically common sense. After all, this is the part of the house that protects the residents and family members from the environment. Damage to the roof via water is a very worrying scenario, for numerous reasons.
Fri, 25 Jun 2010 17:32:43 -0500Do you live in an area that is prone to flooding? Do you also know that your ordinary homeowner's insurance policy will not cover you for flood damage? Anything from rivers bursting their banks to city storm drain back-ups, tidal surges and rain that can be driven into your home during a storm are not covered by your home insurance.
Fri, 25 Jun 2010 09:32:44 -0500There are certain things in life that we have no control over them. Natural disasters such as floods is one of these things but by having the proper insurance you can have peace of mind.
Tue, 22 Jun 2010 17:13:45 -0500Do you know what Flood Insurance costs and if you need it or not. It is rather inexpensive compared to the damage and cost it could have on your property.
Mon, 21 Jun 2010 16:41:07 -0500When people think about paying for yet another type of insurance in addition to their car and home, they often wonder does anyone really need flood insurance. In fact, there are many reasons that everyone should have at least minimal coverage in the event of a flood. Like all types of insurance, it seems like a waste of money until an incident occurs and then many people regret their decision to roll the dice.
Thu, 17 Jun 2010 10:00:52 -0500Flood zone ratings for many homes that where previously considered low risk has recently been changed to being considered a high risk flood zone. There are many homeowners across the nation who find that their homes are in this position.
Thu, 17 Jun 2010 09:10:39 -0500Your home can qualify for grandfathering two ways. If your carried continuous flood insurance on your home while the area that you live was rated as a low risk and the area is changed to a high risk flood zone, your policy will remain on what is called a preferred policy.
Mon, 14 Jun 2010 10:06:22 -0500Minimizing future risk through insurance Owning a home, car or a business comes with big responsibilities and even bigger risks. These risks can meet with problems that cause havoc to our assets, our property, our health or our own lives. It is beneficial to take advantage of insurance policies being offered by many reputable companies.